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Does reporting my credit card as lost or stolen impact my credit score?

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Reporting your credit card as lost or stolen does not impact your credit score

because the banks do not pull your credit report for sending the replacement card. The new card that you will receive will be identical in every way to the old card except for the number, so that it doesn’t impact your credit limit or outstanding balance. As far as unauthorized usage is concerned, they will also not impact your score if you have reported about your card immediately and asked the bank or company to block that card from your account. If you fail to get those cards blocked from your account and you don't pay the charges off in time, then that will have a negative impact on your credit score..


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